Reshal Agarwal
🚀 Branch Credit Manager | Mahindra Housing Finance Ltd. 💼 MBA (Finance & HR) | M.Com | Credit & Risk Professional | Award-Winning Performer
- Role
- Branch Credit Manager at Mahindra Home Finance
- Location
- Jaipur, RJ, IN
- LinkedIn followers
- 500 followers
About Reshal Agarwal
Branch Credit Manager | Mahindra Rural Housing Finance Ltd. MBA (Finance & HR)| M.Com | Credit & Risk Professional | Award-Winning PerformerI’m a finance professional with a strong foundation in credit assessment and risk management, currently serving as a Branch Credit Manager at Mahindra Rural Housing Finance since July 2023.I specialize in evaluating and underwriting home loan applications for both salaried and self-employed individuals, ensuring each case aligns with policy norms, product guidelines, and regulatory standards. From sanction to disbursement, I oversee the entire loan lifecycle with precision, compliance, and a customer-centric approach. I conduct in-depth risk assessments, including on-site evaluations, to ensure accurate credit decisions.🤝 I work cross-functionally with legal, technical, accounts, and operations teams to ensure seamless loan processing. I’m adept at MIS report preparation and analysis, using data to drive performance improvements and efficiency. A standout achievement: I successfully managed operations across multiple branches, consistently leading the region in loan sanctions and disbursements. Previously, I worked with AU Small Finance Bank as a Management Trainee – Credit, focusing on Secured Business Loan evaluations and gaining hands-on experience in retail lending. Academically, I hold an MBA in Finance & HR (CGPA: 9.48) and a Master of Commerce with First Division. Recognized with multiple awards for my contributions to developmental initiatives and organizational excellence.
Experience
Branch Credit Manager
Jul 2023 — Present · Jaipur, IN
Specializes in evaluating and underwriting home loan applications for salaried and self-employed individuals, ensuring strict adherence to product guidelines, policy norms, and regulatory requirements. Manages the end-to-end loan processing lifecycle, from sanctioning to disbursement, while maintaining compliance with established standards. Conducts comprehensive risk assessments through on-site visits as required for accurate loan evaluation. Collaborates effectively with cross-functional teams, including legal, technical, accounts, and operations, to ensure smooth loan processing. Proficient in preparing and analyzing MIS reports to monitor loan processing efficiency and performance metrics. Oversaw operations across multiple branches, consistently achieving the highest number of loan sanctions and disbursements in the region.
Education
University of Rajasthan
M.com
2018 — 2020
IIIM (International School Of Informatics & Management) Jaipur
Master of Business Administration - MBA
2021 — 2023
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